What is COVID-19 Insurance?

Enjoy a Safer Journey by Purchasing Multi-Insurance | tiket.com

In the midst of the pandemic, you certainly need more protection for your health and safety. COVID-19 Insurance is here to give you that extra protection from COVID-19 with benefit compensation of up to IDR 20 million.

 

Now you don't have to worry about having to fly during the pandemic. With insurance from tiket.com, you'll be able to enjoy a safer and protected journey

COVID-19 Insurance Benefits

Here are the details of COVID-19 coverage and compensation. The value stated is the maximum compensation for the insurance.

 

Benefits

Compensation Limit

Coverage Period

Death and permanent disability benefit due to accident

IDR 20,000,000

Lump-sum applies

30 days from the departure date
Daily cash compensation for hospitalization due to COVID-19

IDR 250,000/day

Up to IDR 3,500,000

(This value is an accumulation if the "self-isolation compensation due to COVID-19" has been claimed, then the rest will be paid for this benefit)

Self-isolation compensation due to COVID-19

IDR 1,000,000

Lump-sum applies

Reimbursement of PCR test fees due to a positive diagnosis of COVID-19

As per actual loss value, max. IDR 1,000,000

Trip cancellation due to COVID-19

As per actual loss value, max. Up to IDR 750,000

3 days before the departure date
Compensation for loss of income due to COVID-19

IDR 1,250,000

A lump-sum applies when treated at a hospital or health facility

30 days from the departure date
Premium cost per pax IDR 25,000  

Terms & Conditions

FAQ

Insurance Benefit

Claim Document

Assistance & Claim

  1. COVID-19 Insurance Protection is an insurance product issued by PT Asuransi Wahana Tata (Aswata) which acts as the Insurer and has been licensed and supervised by the Financial Services Authority (OJK).

  2. The Insured means the person whose name is registered as an insurance participant by purchasing this insurance product along with the purchase of flight tickets through tiket.com.

  3. This COVID-19 Insurance can only be purchased through www.tiket.com, m.tiket.com, and mobile application (Android & iOS).

  4. This COVID-19 Insurance is valid for Indonesian Citizens (WNI) domiciled in Indonesia and Foreign Citizens (WNA) who have a residence permit in Indonesia and are between 2 (two) to 65 (sixty-five) years old. If the Insured is under 2 (two) years old or more than 65 (sixty five) years at the time the insurance policy coverage period lasts and the Insured makes a claim, the claim will be automatically rejected.

  5. This COVID-19 Insurance is valid in all regions and jurisdictions of the Unitary State of the Republic of Indonesia.

  6. This COVID-19 Insurance covers users of tiket.com who purchase travel tickets by plane, from and to all regions in Indonesia.

  7. The Insured who can be covered is the one whose name is listed on the insurance policy / Summary Letter of Protection which is the same as the name on the plane ticket purchased together with this COVID-19 Insurance product.

  8. tiket.com does not manage insurance premiums and only acts as an intermediary between you as the Insured and the Insurer through the tiket.com website or mobile application page.

  9. tiket.com has the right, without prior notice, to take necessary actions if fraudulent actions are found from you as a tiket.com’s users regarding to this insurance product.

  10. The Insurer has the right, and without prior notice, to make changes to the coverage of this insurance product, to update from time to time the terms and conditions of this insurance product as long as it does not conflict with the laws in force in the Unitary State of the Republic of Indonesia, you are advised to check this insurance product terms and conditions from time to time before making a purchase of insurance products.

  11. By purchasing this COVID-19 Insurance product, you as the Insured will get insurance benefits as stated in the Table of Benefit contained in the Insurance Benefits section.

  12. By purchasing this COVID-19 Insurance, you are agreeing to the terms and conditions set by the Insurer, including the results of decisions on claims that you submit in the future.

  13. As the Insured, you can submit a claim for this COVID-19 Insurance by accessing the link in the Assistance and Claims section. Any costs incurred to obtain the documents or evidence required for the claim verification process are your responsibility.

  14. This insurance product is non-refundable for any reason.

  15. This COVID-19 insurance provides benefits (1) Death and Permanent Disability Benefit due to Accidents during the insured trip, (2) Daily Cash Compensation for Hospitalization due to a positive diagnosis of COVID-19, (3) Self-isolation Compensation due to a positive diagnosis of COVID-19, (4) Reimbursement of PCR test fees due to a positive diagnosis of COVID-19, (5) Reimbursement of Trip Cancellation fees due to a positive diagnosis of COVID-19, (6) Compensation for Loss of Income due to a positive diagnosis of COVID-19.

  16. Specifically for the benefit of (2) Daily Cash Compensation for Hospitalization due to a positive diagnosis of COVID-19, the limit of the amount of coverage that can be provided by the Insurer is an accumulation if the benefit of (3) Self-isolation Compensation due to a positive diagnosis of COVID-19 has been claimed in advance. And if the benefit of (2) Daily Cash Compensation for Hospitalization due to a positive diagnosis of COVID-19 has been claimed to the highest limit of the insured value, then no additional reimbursement can be paid for the benefit of (3) Independent Isolation Compensation due to a positive diagnosis of COVID-19 if there are claims thereafter.

  17. Specifically for the benefit of (4) Reimbursement of PCR test fees due to a positive diagnosis of COVID-19 will be paid if the examination is carried out after the trip has been completed and during the active period of coverage of this insurance policy.

  18. The insurance policy coverage period is 1 (one) month from the scheduled departure schedule on the flight , except for benefits (5) Reimbursement of Trip Cancellation fees due to a positive diagnosis of COVID-19 is valid from 3 (three) days before the departure date scheduled on airplane and ends on the scheduled departure date on flight.

  19. This COVID-19 Insurance can be claimed 1 (one) time during the insurance policy coverage period.

  20. If the Insured has more than 1 (one) active policy, then claims can only be made on 1 (one) policy and for 1 (one) treatment only.

  21. This COVID-19 Insurance coverage becomes void and ends without refund in the event that the Insured cancels, reschedules, or does not board the flight according to the schedule on the flight ticket purchased (except for Trip Cancellation due to a positive diagnosis of COVID-19, then the coverage remains valid).

  22. Proof of participation in this COVID-19 Insurance will be sent in electronic form via electronic mail (email) in the form of a Summary Letter of Protection and Policy Wording.

  23. There is no waiting period or policy activation period for this COVID-19 Insurance.

  24. tiket.com does not have any obligations and/or responsibilities related to the purchase of COVID-19 Insurance products made by tiket.com users.

  25. The Insured is advised to carefully read all explanations of the guarantees and exclusions contained in these COVID-19 Insurance Policy Wording.

  26. COVID-19 Insurance is an insurance product of PT Asuransi Wahana Tata (Aswata).

  27. Exclusion of coverage for COVID-19 Insurance products:

    • Deaths that occur are not the result of accidents or infected with COVID-19;

    • The Insured commits suicide/attempted suicide, and the like;

    • the Insured is sentenced to death by a court;

    • The crime committed by the Insured that caused the loss;

    • Any losses arising from pre-existing conditions, congenital conditions, and hereditary conditions;

    • the Insured is engaged in military or police service or non-commercial aviation or any dangerous sporting activity;

    • Any losses incurred in connection with pregnancy or childbirth or fertility or beautification or other medical procedures that have been undertaken previously;

    • Losses arising from mental or psychiatric disorders, addiction to alcohol or drugs (drugs);

    • Any losses arising from AIDS or HIV infection;

    • Any losses arising from sexually transmitted diseases;

    • Diseases classified as natural disasters, declared by the government;

    • Routine medical examinations carried out not for the purpose of treating injuries due to accidents or infected with COVID-19;

    • the Insured is included in the terrorism list and blacklist;

    • Other exceptions according to PSAKDI 2016 (applies to benefits (1) Death Benefit and Permanent Disability due to Accident).

  28. You authorize PT Asuransi Wahana Tata to use or provide information and/or other information about you as the Insured that is available, obtained, or stored by PT Asuransi Wahana Tata (as stated in the request for issuance of this insurance policy, policy, or other document from insurance products) in the context of submitting the issuance of this insurance policy, informing the policy provisions for the submission of this insurance policy issuance, requesting data in terms of handling claims for this insurance, as well as payment of claims for this insurance. You also understand that you have the right to make corrections or additions to the information and information regarding you as the Insured by contacting PT Asuransi Wahana Tata.

  29. You authorize PT Asuransi Wahana Tata to use and/or provide information and/or information about you as the Insured to other parties, namely reinsurance (in terms of insurance risk assessment) and/or regulations and/or institutions that have a cooperative relationship with PT Asuransi Wahana Tata (if any) in connection with this insurance policy. The data provided is your data as the Insured relating to the issuance of this insurance policy and is only for the benefit of insurance coverage.